Análisis integral de categorías teóricas en la inclusión financiera: una revisión sistemática
Resumen
La disponibilidad de servicios financieros es vital para reducir la pobreza, impulsar la economía y estimular el crecimiento económico. El presente estudio tiene como objetivo analizar la inclusión financiera a través de una revisión sistemática. Para ello se utilizó el método (PRISMA), evaluando 70 artículos de Elsevier en doce categorías, tales como desarrollo financiero inclusivo, impacto ambiental, desarrollo sostenible, pobreza, estabilidad financiera, desarrollo económico, regulación, demografía, educación, responsabilidad social, tecnología financiera y construcción de índices de inclusión financiera. Los resultados de la literatura subrayan que, durante la pandemia de COVID-19 y eventos económicos recientes como la crisis energética de 2022 y la inflación global postpandemia, tecnologías como el dinero móvil y los cajeros automáticos facilitaron el acceso a servicios financieros, amortiguando los efectos económicos adversos, especialmente para los más vulnerables. Se concluye que las políticas proactivas y la educación financiera son esenciales para el crecimiento sostenible. La inclusión financiera no solo favorece el desarrollo económico, sino que también ayuda a reducir la pobreza y la desigualdad, además de contribuir a la mitigación del cambio climático mediante la reducción de emisiones de carbono.
Citas
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